A practical, to the point account of our experience moving from traditional health insurance to Liberty Healthshare. We are not employees, nor do we know anyone who works at Liberty Healthshare. Just a real life family sharing our experience so others might benefit!

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Tuesday, November 27, 2018

Our 2019 Liberty Option

Despite the fact we started with Liberty Healthshare, and most of our earliest posts provide a tremendous amount of detail on Liberty, it’s worth rehashing the highlights as we head into 2019 (as a formality at least!). The main thing that’s changed is the cost so let’s compare last year to where things currently stand:

Year

Monthly Share Amount

(Comparable to the Monthly Premium)

Annual Unshared Amount

(AUA – Comparable to the Deductible)

2018

$450 for a family with parents 30-64 years old

$1,500 for a family

2019

$529 for a family with parents 30-64 years old

$2,250 for a family

Note: There is a $75 annual renewal fee as well.

Beyond the change in price there aren’t many changes for 2019:

$1M per incident is eligible for sharing

Pre-existing conditions are not covered in the first year but coverage can be phased in over multiple years (see guidelines)

Prescription drug coverage is not included (although the SaveNet program offers a discount we found less competitive than programs already offered by name brand pharmacies and GoodRx.com.

This is a quick recap of the plan that we would go with from Liberty Healthshare. If you are an individual, couple, or interested in plans from Liberty you can find a lot more details by visiting Liberty’s website.

Are you considering Liberty in 2019? If so, do you have any questions or concerns you’d like feedback on? If so, leave a question and we’ll try to answer it (and if we can’t I’m sure someone else will)!